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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,162 | $172,111-65.6% | $150,298-60.6% | $137,256-56.9% |
| Participation rate | 45.5% | 81.7%-36.3pp | 77.8%-32.3pp | 80.0%-34.5pp |
| Annual return | 17.20% | 69.37%-52.2pp | 62.79%-45.6pp | 220.34%-203.1pp |
| Employer contribution / active EE | $2,088 | $4,636-55.0% | $4,154-49.7% | $4,156-49.8% |
| Participant deferral / active EE | $3,153 | $6,166-48.9% | $5,453-42.2% | $6,407-50.8% |
| Admin fee / account holder | $10,190 | $16,471-38.1% | $14,116-27.8% | $12,270-17.0% |